| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OK 45439 | ANTHEM | $31K | $161 | $31K | 5.06% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANY | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | ANTHEM | $17K | — | $17K | 2.73% |
| ERC SERVICES INC3 Filed as: ERC SERVICES | 6700 BETA DRIVE MAYFIELD VILLAGE, OH 44143 | ANTHEM | $1K | — | $1K | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| C23 | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $331 | — | $331 | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | AMERITAS | $3K | — | $3K | 5.17% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM | 182 | $611K |
| Dental | AMERITAS | 248 | $49K |
| Vision | AMERITAS | 248 | $49K |
| Life insurance | STANDARD INSURANCE COMPANY | 161 | $78K |
| Short-term disability | STANDARD INSURANCE COMPANY | 161 | $78K |
| Long-term disability | STANDARD INSURANCE COMPANY | 161 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.